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Credit Card & Medical Debt

Bankruptcy Frequently Asked Questions

If you have mounting credit cards or encountered a sudden serious illness and the mounting medical bills to go with it, you need help — and you need it now.

You need the help of a compassionate, reliable attorney who doesn't judge you; someone who can guide you back to a sound financial footing; someone who genuinely cares about your future; someone who can give you a good, positive look at your legal options.

After more than 30 years of helping hard-working people just like you, I've proven that I can be that kind of positive influence on your life. I'm Mark A. McLaughlin, an experienced bankruptcy lawyer who provides clear explanations about consumer debt, dischargeable debt and strategies that can bring your California family back to a sound financial footing.

Credit card debt and medical debt can be discharged, or eliminated, thanks to Chapter 7 and Chapter 13 bankruptcy strategies that are "on the books" for one reason: to return people to the road to financial freedom, and a rewarding life after bankruptcy.

Contact my law office to schedule your free initial consultation. Reach me by phone at (925) 754-2622 or go online to send an e-mail. In Chapter 7 liquidation or Chapter 13 reorganization personal bankruptcy, unsecured debts — credit card bills or unpaid medical bills — can be discharged, giving you the "fresh start" you're looking for. Depending on your finances, you could qualify for elimination of these debts altogether in Chapter 7 bankruptcy, or the opportunity to repay a portion of them in Chapter 13 bankruptcy. My skilled law firm will show you how.

I explain every available option and carefully examine your finances to determine what bankruptcy approach best fits your situation. If you don't own a home or other substantial assets and your household income is less than the state's median, Chapter 7 bankruptcy could be the wisest course of action. If you are dealing with a past-due mortgage along with credit cards and medical debt, Chapter 13 may be the way to go.

If neither approach is a good fit for your specific legal and financial needs, we can discuss an alternative to bankruptcy.